Refinancing hard money loans as a foreigner in the states

[Mate Gerner]

Hi guys, 

This is my first forum post on Biggerpockets, I'm excited to be part of the community and learn as much as I can. 

I have a very specific question. I'm wondering if any of you guys have experience as a non-US citizen non-resident investing in the States. I know that in general non-residents have a harder time getting a mortgage in the USA, but what happens, if you acquire a property with the use of a hard money lender, rehab it, and then trying to refinance it with a conventional mortgage? I know that in general banks consider foreigners as higher risk and might ask for a bigger down payment, etc. 

Thanks ins advance,

Mate